Insurance for top surgery.

[Darrin Scott]

I was wondering if anyone used insurance to pay for top surgery? How did you go about it? How long did you have the  plan? And I don't know if anyone knows if we're allowed to say what company, but if you can what company did you use?

[kenton_07]

My insurance covered my top surgery. There were a few loopholes for me to go through. I needed two letters, I used one from my endo and one from my therapist. An assistant at the surgery group I got my top surgery done through took care of all the paper work. It only took a few days for it to get approved after all the paper work was in to the insurance company. I'm on my parents insurance and it was CDPHP. I would contact your insurance company for information regarding transgender surgeries because they have to provide the information if you ask for it. Good luck!

[Kreuzfidel]

My insurance is Mid-Hospital level coverage from Medibank (Australia) and will cover most of my surgery after my 12-month waiting period for pre-existing conditions is up in August 2013.

[Darrin Scott]

Sorry, I forgot to say I'm in the US. I looked at 2 surgeons and looked like neither of them took insurance. I'd still have to buy a policy. I might just continue to save for it.

[aleon515]

It is possible in the US under 2 situations:
1. You have one of a very few trans friendly policies. Usually it is for big companies from large liberal cities.
2. You have a VERY large chest. There are some surgeons who will do a reduction and just uh not say how much they are reducing. I seem to remember you might have posted in one of those threads. You might see if there is a doctor who will do this.

--Jay J

[androgynoid]

I don't know if this will help, but I have BlueCross BlueShield of Illinois, and they specifically exclude gender-related surgeries. So, don't get BlueCross BlueShield of Illinois.

[JohnAlex]

I've been looking into the same thing.  and I've found a few universities which have student health insurance that specifically covered transgender surgeries.  the one I'm looking into is at Portland State University.  But their Supplemental Insurance could cost $1000-$2000 per term. And insurance covered 80% of surgery costs. So I'm trying to decide if it's actually saving anything.
"The student must also be able to have certified by two providers, one of which must possess a doctorate degree, that they have successfully lived and worked within the desired gender roll full time for at least 12 months and has also received at least 12 months of continuous hormonal sex reassignment therapy. Office visits to establish these requirements are covered under the basic health insurance offered by the university."